WO2000077750A1 - Method for a multiple smart card simulator - Google Patents

Method for a multiple smart card simulator Download PDF

Info

Publication number
WO2000077750A1
WO2000077750A1 PCT/CA2000/000703 CA0000703W WO0077750A1 WO 2000077750 A1 WO2000077750 A1 WO 2000077750A1 CA 0000703 W CA0000703 W CA 0000703W WO 0077750 A1 WO0077750 A1 WO 0077750A1
Authority
WO
WIPO (PCT)
Prior art keywords
smart card
output
simulator
input
modified
Prior art date
Application number
PCT/CA2000/000703
Other languages
French (fr)
Other versions
WO2000077750A9 (en
Inventor
Stephen Maryka
Bertrand Michaud
Original Assignee
Wind River International Limited
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Wind River International Limited filed Critical Wind River International Limited
Priority to AU56660/00A priority Critical patent/AU5666000A/en
Publication of WO2000077750A1 publication Critical patent/WO2000077750A1/en
Publication of WO2000077750A9 publication Critical patent/WO2000077750A9/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0719—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for application selection, e.g. an acceleration sensor or a set of radio buttons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G07F7/0833—Card having specific functional components
    • G07F7/084—Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis

Definitions

  • the present application relates to a method for a multiple smart card simulator, and in particular, an
  • Smart cards are hardware devices that typically have the shape and size of a credit card. Often they
  • Smart cards are inserted into card terminals which may include automated teller machines, internet
  • kiosks pay telephones, point of sale terminals, cellular phones, or any device containing a card
  • the card terminals Using the information stored on the smart card, the card terminals provide a variety of services and
  • These services can include:
  • cards may have different capabilities, users may have different needs and preferences, users may be
  • the purpose of the present invention is to provide a method and apparatus for simulating a smart-
  • An advantage of the invention is that it supports multi-application card environments. Another
  • a further advantage is that it allows simulation of the smart card, card
  • Figure 1 shows a flow chart describing an embodiment for the present invention
  • Figure 2 shows a flow chart describing an embodiment for the present invention
  • Figure 3 shows a flow chart describing an embodiment for the present invention. Detailed Description
  • Smart cards often also have idiosyncratic quirks or bugs.
  • the present invention provides a method for providing a multiple smart card simulator. In one
  • step 100 (i) storing a first set of characteristics of a first smart card (step 100). These are stored
  • the simulator operates by processing data in the same way that a real smart
  • the simulator operates by processing data in the same way that
  • step 130 receiving a first input from a first smart card application (step 130).
  • smart card applications refer to user applications running on the developer's work
  • the output is generated by the simulator by
  • step 200 The output is generated by means to those skilled in the art.
  • step 300 (i) receiving a second input from a second smart card application (step 300);
  • One important aspect of the invention is the ability to simulate card insertion. Depending on the
  • step 400 (i) generating a simulated smart card insertion (step 400);
  • step 420 determining available applications (step 420); (v) downloading to a simulated smart card and to a simulated terminal at least one smart

Abstract

The invention is a method for a multiple smart card simulator. The invention allows cards with different characteristics such as memory, command sequence, error handling, and data flow to be simultaneously simulated. It also permits simultaneous simulation of different smart card user applications. The method involves determining the characteristics of smart cards, and then modifying input and output to or from these cards based on the smart card characteristics. In this way, an end-to-end simulation environment is provided.

Description

WO 00/77750 PCTtCAOO/00703
Title: METHOD FOR A MULTIPLE SMART CARD SIMULATOR
This application claims priority from U.S. provisional application 60/138,679 filed June 14, 1999.
Field of Invention
The present application relates to a method for a multiple smart card simulator, and in particular, an
application employing multiple simulated smart-cards where the applications running on, or enabled
on, some of the smart cards differ from those applications running on, or enabled on, other of the
simulated smart cards, and where the smart cards may have different characteristics.
Background to Invention
Smart cards are hardware devices that typically have the shape and size of a credit card. Often they
have an embedded computer processor, memory and an operating system. Often smart cards have
stored in their memory information related to the user of the smart card. Such information can
include:
(i) personal information, such as name, address, other contact information, date of birth,
etc.; (ii) financial information, such as bank account numbers and type of account, account
balances and transaction histories, retirement savings plan information, investment
information and investment portfolio and account information;
(iii) medical information, such as medical history and known allergies and prescription
history;
(iv) information related to retail shopping, such as clothing sizes, shopping histories and
product, preferences; and
(v) other information relating to taste, style and economic, social or cultural activity.
Smart cards are inserted into card terminals which may include automated teller machines, internet
kiosks, pay telephones, point of sale terminals, cellular phones, or any device containing a card
reader.
Using the information stored on the smart card, the card terminals provide a variety of services and
computer-based applications to the user of the smart card. These services can include:
(i) paying bills, transferring money between accounts, making investments, analyzing
a portfolio; (ii) ordering prescription drugs, providing information to health care professionals or
receiving information from them;
(iii) buying or selling consumer goods, receiving product information, participating in
consumer surveys, receiving promotional offers, customizing products; and
(iv) playing games or receiving other content such as music, video, text or images.
Different users of smart cards may want to use different applications for a variety of reasons: smart
cards may have different capabilities, users may have different needs and preferences, users may be
authorized to use different applications.
Developers of smart card applications often prefer to develop these applications in a simulated
environment. In the simulated environment, many hardware elements of the system such as the
smart card, cardreader and card terminal are simulated. This allows the developer to test and
develop function, eliminate error, and improve performance of the system without the cumbersome
and costly need to implement all of the hardware elements.
Current simulation environments, such as the Java Card™ simulation environment suffer the
drawback that they are unable to simulate an application that deals with multiple smart cards where
those smart cards have different applications or where the smart cards have different characteristics. Summary of Invention
The purpose of the present invention is to provide a method and apparatus for simulating a smart-
card-based computer application.
An advantage of the invention is that it supports multi-application card environments. Another
advantage of the present invention is that it allows simultaneous simulation of smart cards with
different characteristics. A further advantage is that it allows simulation of the smart card, card
reader, terminal, and user application in a single development workstation.
In one embodiment of the present invention there is provided a method for a multiple smart card
simulator.
Description of Figures
Figure 1 shows a flow chart describing an embodiment for the present invention;
Figure 2 shows a flow chart describing an embodiment for the present invention;
Figure 3 shows a flow chart describing an embodiment for the present invention. Detailed Description
Smart cards often have different characteristics. These characteristics include available memory, the
manner in which they handle error conditions, the command sequence to be input or the data
returned from a command sequence. Smart cards often also have idiosyncratic quirks or bugs.
These characteristics and quirks must be simulated in order to have an effective simulation.
The present invention provides a method for providing a multiple smart card simulator. In one
embodiment, as set out in figure 1 , the following steps occur:
(i) storing a first set of characteristics of a first smart card (step 100). These are stored
in memory in the developer's workstation;
(ii) creating a first smart card simulator simulating operation of said first smart card (step
105). The simulator operates by processing data in the same way that a real smart
card would;
(iii) storing a second set of characteristics of a second smart card (Step 110); (iv) simulating operation of said second smart card thereby creating a second smart card
simulator (step 115). The simulator operates by processing data in the same way that
a real smart card would;
(v) receiving a first input from a first smart card application (step 130). As used herein,
smart card applications refer to user applications running on the developer's work
station or on a simulated terminal and not to thin or trivial applications running only
on the smart card;
(vi) modifying said first input based on said first set of characteristics (step 140);
(vii-) sending a first modified input to said first smart card simulator (step 150);
(viii) modifying said first input based on such second set of characteristics to form a
second modified input; and sending the second modified input to said second smart
card simulator (steps 155 and 160). The second simulator needs a different modified
input because it has different characteristics;
(ix) receiving a first output from said first smart card simulator generated in response to
said first modified input (step 170). The output is generated by the simulator by
methods known to those skilled in the art; (x) modifying said first output based on said first set of characteristics to form a first
modified output (step 180);
(xi) transmitting said first modified output to said smart card application (step 190);
(xii) receiving a second output from said second smart card simulator generated in
response to said second modified input (step 200). The output is generated by means to those skilled in the art;
(xiii) modifying said second output based on said second set of characteristics to form a
second modified output (step 210);
(xiv) transmitting said second modified output to said smart card application (step 220);
In another embodiment, a method is provided for simultaneously running different applications on
different smart cards. This method is shown on Figure 2 and comprises the following steps:
(i) receiving a second input from a second smart card application (step 300);
(ii) modifying said second input based on said first set of characteristics (step 310);
(iii) sending a third modified input to said first smart card simulator (step 320); (iv) receiving a third output from said first smart card simulator in response to said third
modified input (step 330);
(v) modifying first said third output based on said first set of characteristics (step 340);
(vi) transmitting said third modified output to said second smart card application (step
350);
One important aspect of the invention is the ability to simulate card insertion. Depending on the
characteristics of the inserted card, different applications may be downloaded into the card. This
method is shown in Figure 3 and comprises the steps:
(i) generating a simulated smart card insertion (step 400);
(ii) determining characteristics of the inserted card (step 405);
(iii) notifying registered listeners (step 410);
(iv) determining available applications (step 420); (v) downloading to a simulated smart card and to a simulated terminal at least one smart
card application (step 430) and
(vi) repeating (steps 400 - 430)
In the above methods it may be advantageous to simulate Java Cards, for which many development
tools currently exist and for which the same program code can run in the actual smart card and in the
simulator, namely the Java programming language.
Further details are set out in appendix A "Alchemy: Science and Magic for Intelligent Devices"
especially sections 5 and 5.1 and in co-pending U.S. applications 09/332,069 titled "Method and
Apparatus for Incremental Download from Server to Client", 09/332,191 titled "Method and System
of Deploying an Application between Computers", 09/332,192 titled "Method and System for
Remotely Observing and Controlling Objects and 09/332,193 titled "Method and System for
Managing and Using Persistent Storage all of which are incorporated by reference.

Claims

We claim:
1. A method of providing a multiple smart card simulator comprising:
(i) storing a first set of characteristics of a first smart card;
(ii) creating a first smart card simulator simulating operation of said first smart card;
(iii) storing a second set of characteristics of a second smart card;
(iv) simulating operation of said second smart card thereby creating a second smart card
simulator;
(v) receiving a first input from a first smart card application;
(vi) modifying said first input based on said first set of characteristics;
(vii) sending a first modified input to said first smart card simulator; (viii) modifying said first input based on such second set of characteristics to form a
second modified input; and sending the second modified input to said second smart
card simulator;
(ix) receiving a first output from said first smart card simulator generated in response to
said first modified input;
(x) modifying said first output based on said first set of characteristics to form a first
modified output;
(xi) transmitting said first modified output to said smart card application;
(xii) receiving a second output from said second smart card simulator in response to said
second modified input;
(xiii) modifying said second output based on said second set of characteristics to form a
second modified output; and
(xiv) transmitting said second modified output to said smart card application.
2. The method of claim 1 where said characteristics include one of the smart cards memory
size, command sequence, error handling routine or quirks.
3. The method of claim 1 further comprising the steps:
(i) receiving a second input from a second smart card application;
(ii) modifying said second input based on said first set of characteristics;
(iii) sending a third modified input to said first smart card simulator;
(iv) receiving a third output from said first smart card simulator in response to said third
modified input;
(v) modifying first said third output based on said first set of characteristics;
(vi) transmitting said third modified output to said second smart card application.
4. A method of simulating a multiple smart card environment comprising:
(i) detecting a simulated smart card insertion (step 400);
(ii) determining characteristics of the inserted card (step 405); (iii) notifying registered listeners (step 410);
(iv) determimng available applications (step 420);
(v) downloading to a simulated card and to a simulated terminal at least one smart card
application (step 430) and
(vi) repeating (steps 400 - 430).
PCT/CA2000/000703 1999-06-14 2000-06-14 Method for a multiple smart card simulator WO2000077750A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU56660/00A AU5666000A (en) 1999-06-14 2000-06-14 Method for a multiple smart card simulator

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13867999P 1999-06-14 1999-06-14
US60/138,679 1999-06-14

Publications (2)

Publication Number Publication Date
WO2000077750A1 true WO2000077750A1 (en) 2000-12-21
WO2000077750A9 WO2000077750A9 (en) 2002-08-29

Family

ID=22483138

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CA2000/000703 WO2000077750A1 (en) 1999-06-14 2000-06-14 Method for a multiple smart card simulator

Country Status (2)

Country Link
AU (1) AU5666000A (en)
WO (1) WO2000077750A1 (en)

Cited By (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7653602B2 (en) 2003-11-06 2010-01-26 Visa U.S.A. Inc. Centralized electronic commerce card transactions
US7725369B2 (en) 2003-05-02 2010-05-25 Visa U.S.A. Inc. Method and server for management of electronic receipts
US7857215B2 (en) 2003-09-12 2010-12-28 Visa U.S.A. Inc. Method and system including phone with rewards image
US8005763B2 (en) 2003-09-30 2011-08-23 Visa U.S.A. Inc. Method and system for providing a distributed adaptive rules based dynamic pricing system
US8010405B1 (en) 2002-07-26 2011-08-30 Visa Usa Inc. Multi-application smart card device software solution for smart cardholder reward selection and redemption
US8015060B2 (en) 2002-09-13 2011-09-06 Visa Usa, Inc. Method and system for managing limited use coupon and coupon prioritization
US8119282B2 (en) 2005-06-16 2012-02-21 Exide Technologies Gmbh Pole bridge for a battery
US8407083B2 (en) 2003-09-30 2013-03-26 Visa U.S.A., Inc. Method and system for managing reward reversal after posting
US8429048B2 (en) 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts
US8554610B1 (en) 2003-08-29 2013-10-08 Visa U.S.A. Inc. Method and system for providing reward status
US8626577B2 (en) 2002-09-13 2014-01-07 Visa U.S.A Network centric loyalty system
FR3048298A1 (en) * 2016-02-26 2017-09-01 Gie Sesam-Vitale SIMULATION SYSTEM OF CHIP CARDS.
US9852437B2 (en) 2002-09-13 2017-12-26 Visa U.S.A. Inc. Opt-in/opt-out in loyalty system
US11132691B2 (en) 2009-12-16 2021-09-28 Visa International Service Association Merchant alerts incorporating receipt data

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH025191A (en) * 1988-06-24 1990-01-10 Fujitsu Ltd Ic card simulator
FR2667419A1 (en) * 1990-10-02 1992-04-03 Gemplus Card Int Memory-card application-program debugging process and debugging system
WO1998025239A1 (en) * 1996-12-03 1998-06-11 Strategic Analysis, Inc. Method and apparatus for formatting smart cards and card readers

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH025191A (en) * 1988-06-24 1990-01-10 Fujitsu Ltd Ic card simulator
FR2667419A1 (en) * 1990-10-02 1992-04-03 Gemplus Card Int Memory-card application-program debugging process and debugging system
WO1998025239A1 (en) * 1996-12-03 1998-06-11 Strategic Analysis, Inc. Method and apparatus for formatting smart cards and card readers

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
PATENT ABSTRACTS OF JAPAN vol. 014, no. 141 (P - 1023) 16 March 1990 (1990-03-16) *

Cited By (26)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8010405B1 (en) 2002-07-26 2011-08-30 Visa Usa Inc. Multi-application smart card device software solution for smart cardholder reward selection and redemption
US10460338B2 (en) 2002-09-13 2019-10-29 Visa U.S.A. Inc. Network centric loyalty system
US9852437B2 (en) 2002-09-13 2017-12-26 Visa U.S.A. Inc. Opt-in/opt-out in loyalty system
US8015060B2 (en) 2002-09-13 2011-09-06 Visa Usa, Inc. Method and system for managing limited use coupon and coupon prioritization
US8626577B2 (en) 2002-09-13 2014-01-07 Visa U.S.A Network centric loyalty system
US8239261B2 (en) 2002-09-13 2012-08-07 Liane Redford Method and system for managing limited use coupon and coupon prioritization
US8386343B2 (en) 2003-05-02 2013-02-26 Visa U.S.A. Inc. Method and user device for management of electronic receipts
US7725369B2 (en) 2003-05-02 2010-05-25 Visa U.S.A. Inc. Method and server for management of electronic receipts
US7827077B2 (en) 2003-05-02 2010-11-02 Visa U.S.A. Inc. Method and apparatus for management of electronic receipts on portable devices
US7987120B2 (en) 2003-05-02 2011-07-26 Visa U.S.A. Inc. Method and portable device for management of electronic receipts
US9087426B2 (en) 2003-05-02 2015-07-21 Visa U.S.A. Inc. Method and administration system for management of electronic receipts
US8793156B2 (en) 2003-08-29 2014-07-29 Visa U.S.A. Inc. Method and system for providing reward status
US8554610B1 (en) 2003-08-29 2013-10-08 Visa U.S.A. Inc. Method and system for providing reward status
US7857215B2 (en) 2003-09-12 2010-12-28 Visa U.S.A. Inc. Method and system including phone with rewards image
US7857216B2 (en) 2003-09-12 2010-12-28 Visa U.S.A. Inc. Method and system for providing interactive cardholder rewards image replacement
US8005763B2 (en) 2003-09-30 2011-08-23 Visa U.S.A. Inc. Method and system for providing a distributed adaptive rules based dynamic pricing system
US8407083B2 (en) 2003-09-30 2013-03-26 Visa U.S.A., Inc. Method and system for managing reward reversal after posting
US9141967B2 (en) 2003-09-30 2015-09-22 Visa U.S.A. Inc. Method and system for managing reward reversal after posting
US8244648B2 (en) 2003-09-30 2012-08-14 Visa U.S.A. Inc. Method and system for providing a distributed adaptive rules based dynamic pricing system
US7653602B2 (en) 2003-11-06 2010-01-26 Visa U.S.A. Inc. Centralized electronic commerce card transactions
US9710811B2 (en) 2003-11-06 2017-07-18 Visa U.S.A. Inc. Centralized electronic commerce card transactions
US8119282B2 (en) 2005-06-16 2012-02-21 Exide Technologies Gmbh Pole bridge for a battery
US11132691B2 (en) 2009-12-16 2021-09-28 Visa International Service Association Merchant alerts incorporating receipt data
US8650124B2 (en) 2009-12-28 2014-02-11 Visa International Service Association System and method for processing payment transaction receipts
US8429048B2 (en) 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts
FR3048298A1 (en) * 2016-02-26 2017-09-01 Gie Sesam-Vitale SIMULATION SYSTEM OF CHIP CARDS.

Also Published As

Publication number Publication date
AU5666000A (en) 2001-01-02
WO2000077750A9 (en) 2002-08-29

Similar Documents

Publication Publication Date Title
US11720959B1 (en) Payment processor financing of customer purchases
US8706765B2 (en) Method to raise accuracy of targeting the segmentation for sample distribution
AU2004232121B2 (en) Smart card personalization assistance tool
WO2000077750A1 (en) Method for a multiple smart card simulator
US20070038560A1 (en) Transaction payment system and processing
Zaffar et al. Using agent-based modelling to investigate diffusion of mobile-based branchless banking services in a developing country
CA2281725A1 (en) Kiosk and server connected to computer network
CZ20031172A3 (en) System and method for monitoring a plurality of financial service terminals with document-controlled interface
CN104376452B (en) System and method based on international card payment channel managing payment success rate
US20200379621A1 (en) Swipe-based pin entry
JP3137052B2 (en) Internet payment method
CN107679988A (en) Fund group purchase method, system and storage medium
JP6951602B1 (en) Information processing equipment, information processing methods, and information processing programs
WO2001004851A1 (en) Improved apparatus for remote payment transactions
JP6938744B1 (en) Grant device, grant method and grant program
US20050114217A1 (en) Methods and systems for processing transactions for integrated credit and stored-value programs
JP2002083237A5 (en)
US20050091153A1 (en) Methods and systems for managing integrated credit and stored-value programs
CN104641348B (en) Numericitem introduces process
JP7012186B1 (en) Information processing equipment, information processing methods, and information processing programs
US7769689B2 (en) Methods and systems for processing transactions for integrated credit and stored-value programs
US20070278292A1 (en) Retail cash product
JP2002312659A (en) Point server system using serial number
US20050108130A1 (en) Methods and systems for managing integrated credit and stored-value programs
JP7110270B2 (en) Provision device, provision method and provision program

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY CA CH CN CR CU CZ DE DK DM DZ EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG US UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

122 Ep: pct application non-entry in european phase
AK Designated states

Kind code of ref document: C2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY CA CH CN CR CU CZ DE DK DM DZ EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG US UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: C2

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG

COP Corrected version of pamphlet

Free format text: PAGES 1-40, DESCRIPTION, REPLACED BY NEW PAGES 1-40; PAGES 41-44, CLAIMS, REPLACED BY NEW PAGES 41-44; DUE TO LATE TRANSMITTAL BY THE RECEIVING OFFICE

NENP Non-entry into the national phase

Ref country code: JP